Equity
-€111,915
Debts exceed assets in financial year 2025.
INTERBO
Lifetime
20 annual accounts with figures on one time axis, 35 filings since 1991peak €194,567 (2011)
-€15,810▲ €1,900
lowest -€128,246 (2019)
-€32,985▲ €1,416
peak €132,980 (2011)
-€111,915▼ €32,985
€307,920▲ 6.2%
peak 2 FTE (2010)
-not published
Board2 names since 2021
2 directorsSmets,Guido Lodewijk Jozef and 1 other
Documentsfilings and deeds
28-07-20263 days before the deadline
2025micro format
Loss of €32,985Equity from -€78,929 to -€111,915Cash from €6,374 to €446
Key points
from the 2025 annual accountsLosses
-€102,469 in four years
Every financial year from 2022 to 2025 closed with a loss. 2024 was the heaviest.
Debts
€307,920 157% of the balance sheet
Financial debts 7%Suppliers 1%Taxes and wages 0%Other 91%
Filings
35 annual accounts since 1991
Six of the last ten came late. The 2021 accounts came latest: 180 days after the end of the period.
At the same address
6 companies
Position in the sector
-57.1%
Lower solvency than 95% of companies in specialised construction. Sector median 46.7% · 35,156 companies.
Turnover not published (abbreviated or micro format)
Checked score
48
Fair
Financially stronger than 5% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.7%
01-2025: 5.0%▲ +2.3 percentage points vs 12-2024highest value
02-2025: 4.0%▼ -1.0 percentage point vs 01-2025
03-2025: 4.0%● unchanged vs 02-2025
04-2025: 4.0%● unchanged vs 03-2025
05-2025: 3.8%▼ -0.2 percentage points vs 04-2025
06-2025: 3.6%▼ -0.2 percentage points vs 05-2025
07-2025: 3.9%▲ +0.3 percentage points vs 06-2025
08-2025: 2.6%▼ -1.3 percentage points vs 07-2025
09-2025: 2.6%● unchanged vs 08-2025
10-2025: 2.6%● unchanged vs 09-2025
11-2025: 2.6%● unchanged vs 10-2025
12-2025: 2.6%● unchanged vs 11-2025
01-2026: 2.5%▼ -0.1 percentage points vs 12-2025
02-2026: 2.5%● unchanged vs 01-2026
03-2026: 2.5%● unchanged vs 02-2026
04-2026: 2.5%● unchanged vs 03-2026
05-2026: 2.5%● unchanged vs 04-2026
06-2026: 2.4%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: 2.6%▲ +0.2 percentage points vs 06-2026
08-2026: 2.8%▲ +0.2 percentage points vs 07-2026
09-2026: 2.8%● unchanged vs 08-2026
10-2026: 2.8%● unchanged vs 09-2026
11-2026: 2.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
Loss of €32,985, the second in a row (financial year 2025)
Negative equity -€111,915
lowers risk
Size: total assets €196,005
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 3% of them on solvency, 2% on liquidity, 4% on profitability and 11% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as INTERBO has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of INTERBO itself: 2.8% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for INTERBO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.3 (0.34 in 2024), below 1. Short-term debt is 157.1% and cash 0.2% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€111,915
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 days early
2024
1 day early
2023
159 days late
2022
32 days late
2021
180 days late
2020
11 days late
2019
42 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 60 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 September (4 of the last 5 accounts filed within 128 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0442645246
Changes of role: Smets, Guido Lodewijk Jozef (director) and Smets, Tom (director)
“De onderneming voor warmte en geluidsisolering; De onderneming voor timmer- en schrijnwerk van gebouwen; De…” (deed in Dutch) · General meeting of 21-12-2023 · Gazette deed
First establishment
Rode Akkers 4, Kasterlee
Incorporation
published on 06-02-1991 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| INTERBO Kasterlee | €196,005 | -€15,810 | -57.1% | - |
| VDH Essen | €194,713 | -€8,939 | 9.0% | - |
| PETER TIMMERMANS Malle | €161,204 | -€8,109 | 26.4% | 0 |
| TOTAL BUILDING DESMET Ichtegem | €195,334 | -€11,604 | 80.5% | - |
| BELGEN Dendermonde | €200,885 | -€7,505 | 61.3% | - |
| MENUIDAC Clavier | €212,989 | -€10,295 | 78.7% | - |
| M.T. ENTREPRISES Charleroi | €184,094 | €266 | 98.7% | - |
These companies have the same main activity as INTERBO: joinery installation (NACE 43320). They are comparable in size and age: total assets between €161,000 and €213,000, founded between 1987 and 1995.
Official details
Source: KBO- Status
- Active since 18-01-1991Normal situation
- Activity
- Joinery installationNACE 43320
- Joint committee
- 124Construction · annual accounts 2021
- Establishment unit
- 2.051.333.3332460 Kasterlee, since 31-01-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2025
Annual accounts 2025
- €196,005▼ 7.1%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on INTERBO
INTERBO files the micro format. That format states no turnover. The gross margin fell from €55,180 in 2006 to -€15,810 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about INTERBO
- What is the company number of INTERBO?
- The company number of INTERBO is 0442.645.246. The VAT number is the same number with BE in front: BE 0442.645.246.
- Where is INTERBO based?
- The registered office is at Rode Akkers 4, 2460 Kasterlee.Company details
- What does INTERBO do?
- According to the KBO register, the main activity is joinery installation (NACE 43320).
- What is the legal form of INTERBO?
- INTERBO is a private limited company (BV).
- When was INTERBO founded?
- INTERBO was founded on 18-01-1991.
- Is INTERBO still active?
- Yes, INTERBO is an active enterprise in the KBO register.
- How many employees does INTERBO have?
- INTERBO had an average of 0.3 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- Which joint committee does INTERBO fall under?
- In its 2021 annual accounts, INTERBO states joint committee 124 (Construction).
- What is the turnover of INTERBO?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.
- Is INTERBO profitable?
- In financial year 2025, INTERBO made a loss of €32,985.
- Where can I find the annual accounts of INTERBO?
- INTERBO filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of INTERBO due?
- INTERBO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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